Side-by-side · honest numbers
Amex Membership Rewards CC vs AU Zenith Credit Card vs HDFC Millennia Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, AU Zenith Credit Card, HDFC Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹8,008/yr.
| Feature | Amex Membership Rewards CC American Express | AU Zenith Credit Card AU Small Finance Bank | HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹7,999 | ₹1,000 |
| Min income (monthly) | ₹60,000 | ₹75,000 | ₹35,000 |
| Top reward rate | 2 RP/₹150 | 3X points/₹150 | 5% |
| Net annual value (moderate spend) | ₹822/yr | -₹6,487/yr | ₹8,830/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | ₹1,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹7,999 | ₹1,000 |
| Min income | ₹60,000 | ₹75,000 | ₹35,000 |
| Top reward rate | 2 RP/₹150 | 3X points/₹150 | 5% |
| Net value (moderate) | ₹822/yr | -₹6,487/yr | ₹8,830/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | ₹1,000 |
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